Total Dollar Insurance

What Total Dollar Insurance does

Total Dollar Insurance is an independent insurance agency founded in 1979, operating as a doing-business-as entity of Foundation Risk Partners, Corp. The company is headquartered in Port Washington, NY with a secondary office in Fort Lauderdale, FL, and serves individuals, businesses, and professionals through a network of in-house account executives organized by department (Boat & Yacht, Professional Liability, Commercial Insurance, Fine String Instrument, Personal Insurance, Accounting). Its core specialty is medical professional liability insurance — it is described as the oldest and most experienced dental malpractice agency in New York, with 2,000+ dentist and oral surgeon clients — extended into podiatry malpractice via the Podiaguard program, and into employment practices liability for medical providers.

The company's product portfolio spans personal lines (auto, homeowners, high-net-worth packages covering luxury homes, antique/collector cars, equine, and travel), commercial lines (business auto, general liability, property, workers' compensation), health and life insurance (HMO/PPO/HDHP plans, term and whole life), and specialty programs including boat and yacht insurance under the Full Throttle Program for performance boats up to 180 MPH, and fine string instrument insurance for high-value collectibles. Critically, Total Dollar does not develop proprietary technology; it operates as a broker-intermediary relying on carrier-provided platforms for quoting, policy administration, and claims, and uses a client portal (CSR24) for customer self-service.

Total Dollar earns revenue through standard independent agency commissions on new business and renewals, with a recurring-commission structure across the full book. Pricing is fully quote-based with no published rate cards; rates vary by risk profile, coverage limits, deductibles, and carrier selection from a network that includes Travelers, Chubb, AIG, CNA, Cincinnati Insurance, Seneca, Pure, FAIRCO, and Professional Protector. The go-to-market is relationship-driven inside sales via phone, website quote forms, and physical office visits, supplemented by professional association memberships (BBB, IIAB of NY, PIA of NY) for credibility and referral. The business is privately held with no disclosed funding rounds, no acquisitions, and no public revenue figures.

Name

Total Dollar Insurance

Legal name

Foundation Risk Partners, Corp.

Website

https://totaldollar.com

Company type

Private

Founded year

1979

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Total Dollar Insurance is a privately held independent insurance agency (dba of Foundation Risk Partners, Corp.), founded 1979 and based in Port Washington, NY, specializing in dental and podiatry malpractice, yacht, fine instrument, and high-net-worth insurance via multiple carrier partnerships.

Ownership category

akta.pro rank

Headquarters

HQ city

Port Washington

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Insurance Agency Commissions: Total Dollar Insurance operates as an independent insurance agency earning commissions from insurance carriers for placing policies with customers. Revenue is generated through new policy sales and ongoing policy renewals across multiple insurance lines including personal lines (auto, home, boat), commercial lines (business auto, liability, property, workers' compensation), and specialty lines (dental malpractice, podiatrist malpractice, EPLI, musical instruments).

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels3 records

Core offering

Independent insurance agency offering personal, business, health, life, and specialty insurance. The agency places coverage with multiple top-rated carriers (Travelers, Seneca, CNA, Cincinnati, Chubb, AIG, Pure, FAIRCO) and operates specialized programs such as dental malpractice, podiatrist malpractice (Podiaguard), boat/yacht, fine string instruments, employment practices liability for medical providers, and high-net-worth personal lines.

Product overview

Total Dollar Insurance is an insurance agency offering a diverse portfolio of insurance products and specialty programs. The company operates as a broker working with multiple underwriters and carriers to provide competitive rates. Their core offerings include personal insurance (auto, homeowners, high-net-worth), business insurance (property, liability, workers' compensation, business auto), health and life insurance, and specialty programs including Boat & Yacht Insurance (with Full Throttle Program for performance boats), Dental Professional Liability (serving over 2,000 dentists since 1979), Podiatrist Professional Liability under the Podiaguard Program, Medical Providers EPLI, and Fine String Instrument Insurance. They also offer a 24/7 claims service and provide both individual and group health plans.

Differentiator

Problem solved

Functional benefit

Brands

• Podiaguard: Podiatrist Professional Liability insurance program offered through Total Dollar, providing coverage specifically designed for podiatry practices.

Products and services

• Personal Insurance

Quantifiable outcome

• Over 45 years of experience serving dental professionals since 1979
• +3 more outcomes

Named customers1 record

Segments8 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

15 partnerships are on record, tiered core and minor.

• Foundation Risk Partners, Corp.coreOthersParent company. Total Dollar Insurance is a d.b.a. (doing business as) of Foundation Risk Partners, Corp., which owns and operates the insurance agency.
• TravelerscoreChannel Partner/ Reseller/ DistributorMajor insurance carrier partner. Travelers provides 24-hour direct claim reporting services for boat and yacht insurance policies. Total Dollar offers Travelers products through their agency.
• SenecacoreChannel Partner/ Reseller/ DistributorInsurance carrier partner included in Total Dollar's network of underwriters and carriers for various insurance products.
• CNAcoreChannel Partner/ Reseller/ DistributorMajor commercial insurance carrier partner in Total Dollar's network, providing business insurance products.
• Cincinnati Insurance CompaniescoreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing commercial and personal insurance products through Total Dollar agency.
• ChubbcoreChannel Partner/ Reseller/ DistributorPremier insurance carrier partner specializing in high-net-worth personal insurance and commercial coverage. Chubb offers coverage for high-value homes, fine art, jewelry, and other luxury assets.
• AIGcoreChannel Partner/ Reseller/ DistributorMajor global insurance carrier partner providing high-net-worth insurance products and specialty coverage through Total Dollar.
• Pure InsurancecoreChannel Partner/ Reseller/ DistributorHigh-net-worth insurance carrier partner providing coverage for affluent individuals' unique lifestyle and asset protection needs.
• National General InsuranceminorChannel Partner/ Reseller/ DistributorInsurance carrier partner offering various personal and commercial insurance products through Total Dollar agency.
• VaultminorChannel Partner/ Reseller/ DistributorInsurance carrier partner included in Total Dollar's high-net-worth insurance carrier network.
• Fair American Insurance and Reinsurance Company (FAIRCO)coreChannel Partner/ Reseller/ DistributorInsurance carrier providing podiatrist malpractice coverage through Total Dollar's Podiaguard program. FAIRCO is A-rated by A.M. Best with XV Financial Size Category ($2 Billion or greater). Subsidiary of Transatlantic Reinsurance Company (TransRe).
• Professional ProtectorminorChannel Partner/ Reseller/ DistributorInsurance carrier partner included in Total Dollar's partner network for various insurance products.
• Better Business BureauminorOthersConsumer advocacy organization membership providing credibility and customer trust for Total Dollar Insurance agency.
• Independent Insurance Agents & Brokers of New YorkminorOthersIndustry association membership for insurance agents and brokers in New York state, providing networking, education, and advocacy.
• Professional Insurance Agents of New YorkminorOthersProfessional insurance agents association membership providing education, advocacy, and professional development resources.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Heffernan Insurance Brokers: Large independent insurance brokerage offering personal, business, and specialty insurance through multiple carrier relationships. Operates with a similar agency model placing coverage across multiple carriers, with comparable specialty niches and a multi-office footprint across the U.S.
• Brown & Riding Insurance Services: Specialty insurance brokerage focused on niche lines and hard-to-place risks, operating as an intermediary between clients and specialty carriers. Comparable to Total Dollar's specialty focus on dental malpractice, marine/yacht, and professional liability coverage.
• Burns & Wilcox: Specialty insurance wholesale brokerage and managing general agency distributing niche products through a network of retail agents. Comparable to Total Dollar in specialty insurance distribution with deep expertise in professional liability and personal specialty lines.
• The Hilb Group: Mid-sized insurance brokerage acquiring and operating regional agencies with specialty expertise across commercial, personal, and professional lines. Similar operating model to Total Dollar as a multi-line independent agency with carrier partnerships and niche specializations.
• RPS Insurance (Risk Placement Services): Specialty insurance brokerage placing complex and niche risks with specialty carriers across professional liability, marine, and personal lines. Operates as an intermediary matching specialty clients to carriers, comparable to Total Dollar's role in dental malpractice and yacht insurance.
• Woodruff Sawyer: Independent insurance brokerage focused on commercial insurance and specialty lines including professional liability for medical and professional services. Comparable to Total Dollar's specialty focus on professional malpractice and niche commercial coverage.

Others

• Foundation Risk Partners: Parent company of Total Dollar Insurance and a major insurance brokerage conglomerate acquiring and operating specialty agencies. Directly comparable as the controlling parent entity, with multiple dbas serving similar functions across the U.S.
• The Doctors Company: Medical professional liability insurer (not an agency/broker) that directly underwrites malpractice coverage for physicians and dentists. Comparable to Total Dollar's dental malpractice specialty, but operates on the carrier side of the distribution chain rather than as an intermediary.

Broad incumbents

• USI Insurance Services: Large national insurance brokerage serving mid-market and large commercial clients with property/casualty, employee benefits, and personal insurance. Comparable business model as a multi-carrier independent agency, though at materially larger scale than Total Dollar.
• Hub International: Large global insurance brokerage offering personal, commercial, and specialty insurance through multiple carrier relationships. Comparable multi-carrier agency model to Total Dollar, though operating at significantly larger scale across North America.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Total Dollar Insurance